INTERESTS & FEES

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The aforementioned interest rates are:

The below table shows examples for calculating the annual percentage rate of the product.

Example for APR calculation	Duration (Years)	%APR	Loan
Example: Loan Amount = 50000 JOD Total Loan = 50000 Interest Rate = 5.75%	1	5,83%	Real Estate loans (Housing / Land / Offices and Clinics)
	5	5,90%
	10	5,90%
	15	5,90%
	20	5,90%
	25	5,90%
	30	5,90%
Example: Loan Amount = 10000 JOD Costs = 100 JOD Total Loan = 10100 Interest rate = 7.75%	1	9,98%	Car loans
	2	9,08%
	3	8,76%
	4	8,59%
	5	8,49%
	6	8,42%
	7	8,37%
	8	8,33%
Example: Loan Amount = 15000 JOD Costs = 150 JOD Total Loan = 15150 Interest Rate = 7,5%	1	9,71%	Personal loans (Consumer loans)
	2	8,81%
	3	8,49%
	4	8,32%
	5	8,22%
	6	8,15%
	7	8,10%
	8	8,06%
	9	8,03%
	10	8,01%

Interest Rates on Individual Products and Loans

Interest Rate on Personal loans

Customer segment	Income	Interest rate
Employees with transferred salaries from accredited companies and Doctors	750 JOD or more	8.6%
	Less than 750 JOD	8.85%
Employees with transferred salaries from non-accredited companies	-	9.6%
Personal loan for financing land without construction	-	8.6%

Interest Rate on Personal loans against mortagage:

Customer segment	Interest rate
Employees with transferred salaries from accredited companies and Doctors	7.5%
Employees with transferred salaries from non-accredited companies	8.1%
Customer with free income and foreigners residing in Jordan.	8.6%

Interest Rate on Housing Loans:

Customer segment	Income	Financing ratio	Interest rate
Employees with transferred salaries	More than 2000 JD	As per company accredited	6.6%
Employees with transferred salaries and doctors	750 JOD or more	80% or less	6.85%
	750 JOD or more	More than 80% up to 100%	7.1%
	Less than 750 JOD	80% or less	7.1%
	Less than 750 JOD	More than 80% up to 100%	7.35%
Jordanian expatriates and foreigners residing in Jordan.	As per policy	80% or less	7.1%
Jordanian expatriates and foreigners residing in Jordan.	As per policy	More than 80% up to 100%	7.35%
Customers Professionals and Self-employed Individuals	1,000 JOD or more	80% or less	7.35%
	1,000 JOD or more	More than 80% up to 100%	7.6%
	Less than 1,000 JOD	80% or less	7.85%
	Less than 1,000 JOD	More than 80% up to 100%	8.1%
Loans with a financing ratio of less than 60%	-	Less than 60%	6.85%

Interest rates on Auto loans:

Customer segment	Interest rate
Employees with transferred salaries	7.1%
Employees with non-transferred salaries	7.35%
Customers with free income, professionals, doctors, and clinic owners	7.35%
Jordanian expatriates and foreigners residing in Jordan	7.6%

Interest rates on loans for Chinese cars:

Customer segment	Interest rate
Employees with transferred salaries	7.5%
Employees with non-transferred salaries	8.00%
Self-employed customers	8.00%
Jordanian expatriates and foreigners residing in Jordan	8.4%

Clarifications:

The above interest rates are for individual customer loans only.
The nominal interest rate for loans is calculated based on the monthly effective interest rate in the interbank lending market (overnight interbank) plus a certain margin set by the bank. The effective interest rate in the interbank lending market is subject to change every month.
The overnight interbank rate is the monthly effective interest rate in the interbank lending market, announced by the Central Bank of Jordan.
Interest rates are adjusted every 3 months based on changes in the monthly effective interest rate in the overnight interbank lending market.
The actual annual percentage of APR credit for each retail loan product is calculated according to the nominal interest rate and commission rate shown in the example.
A 1% loan processing fee applies to all loan types and is deducted as a one-time charge.
The stated loan amounts, installments, and terms are provided for illustrative purposes only.